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HDFC Bank

HDFC Bank Marriott Bonvoy Credit Card

4.0Best for travel

PremiumLounge accessVerifying

Joining fee incl. GST: ₹3,540
Renewal fee incl. GST: ₹3,540
Conditional welcome value: Up to ₹9,000
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): ₹1,00,000/mo

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Unlocked by a single transaction of at least Rs.500 within 90 days of the card open date, or on levy of the card fee. Free Night Award value of Rs.9,000 assumes 15,000 points x Rs.0.60 per point; each Free Night Award is valid for 12 months from issue.

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Free Night Awards are restricted certificates, not ₹9,000 cash; redemption availability/expiry and qualifying bonus spend need confirmation.

Spend category	Reward rate	Reward limit
Travel Only the qualifying merchants or payment route below 8 Marriott Bonvoy Points per Rs.150 spent at hotels participating in Marriott Bonvoy. Value-back assumes Rs.0.60 per point (8 pts x 0.60 / 150 = 3.2%).	3.2%	Unverified
Dining 4 Marriott Bonvoy Points per Rs.150 on travel, dining and entertainment (accelerated). Value-back assumes Rs.0.60 per point (4 pts x 0.60 / 150 = 1.6%).	1.6%	Unverified
Entertainment 4 Marriott Bonvoy Points per Rs.150 on travel, dining and entertainment (accelerated). Value-back assumes Rs.0.60 per point.	1.6%	Unverified
Travel 4 Marriott Bonvoy Points per Rs.150 on travel, dining and entertainment (accelerated). Value-back assumes Rs.0.60 per point (4 pts x 0.60 / 150 = 1.6%).	1.6%	Unverified
Groceries Grocery earning is capped at 2,000 Bonvoy points/month; value assumes ₹0.60 per point.	0.8%	₹1,50,000 spend / month
Other eligible purchases	0.8%	—

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹3,000

Annual fee₹3,000

Foreign currency markup3.5%

Finance charge (p.a.)45%

Spend milestones

Annual spend	Benefit	Value
₹6,00,000	1 Free Night Award (redeemable for a hotel stay worth up to 15,000 Marriott Bonvoy Points) on eligible annual spends of Rs.6 lakh in the card anniversary year.	₹9,000
₹9,00,000	1 additional Free Night Award (up to 15,000 Marriott Bonvoy Points) on eligible annual spends of Rs.9 lakh in the card anniversary year.	₹9,000
₹15,00,000	1 additional Free Night Award (up to 15,000 Marriott Bonvoy Points) on eligible annual spends of Rs.15 lakh in the card anniversary year.	₹9,000

Key benefits

Airport lounge access — 12/year domestic, 12/year international
24 complimentary airport lounge visits a year at Diners Club lounges: 12 within India (usable at both domestic and international terminals) and 12 outside India, for primary and add-on cardholders. Access is by swiping the Diners Club card at the lounge, with no separate Priority Pass. The allowance is annual; it is not limited to three Indian visits per quarter.
Complimentary Marriott Bonvoy Silver Elite status for the card membership year.
10 Elite Night Credits annually, counting toward higher Marriott Bonvoy elite tiers.
Earns Marriott Bonvoy Points (not HDFC Reward Points): 8 pts/Rs.150 at Marriott hotels, 4 pts/Rs.150 on travel/dining/entertainment, 2 pts/Rs.150 on other spends.
Complimentary golf: 2 golf course accesses per quarter at select premium courses in India and internationally, plus 2 golf lessons per quarter of at least 30 minutes each at select driving ranges in India, including green fees, instructor fees and 50 range balls per lesson.
Each Free Night Award, whether welcome or milestone, is redeemable for a one-night stay inclusive of room rate and applicable taxes at a redemption level up to 15,000 Marriott Bonvoy Points, and is valid for 12 months.
Insurance cover: air accident cover up to $12,500, emergency medical expenses up to $18,750, flight delay, checked-in baggage delay or loss and loss of travel documents up to $250 each, credit shield up to Rs.1,00,000 and loss liability cover up to Rs.9,00,000.
Marriott Bonvoy Points earned on this card have no expiry set by HDFC, but the Marriott Bonvoy account requires qualifying activity at least once every 24 months to keep its balance (HDFC MITC v4.8, updated 2 September 2026).
No reward points earned on fuel, rent, wallet loads, government payments and EMI transactions.
Points on grocery transactions are capped at 2,000 a calendar month. Unusually for HDFC, insurance transactions on this card carry no monthly cap on Marriott Bonvoy Points accrual, where every other HDFC card is capped at 2,000-10,000 points a month (HDFC MITC v4.8, updated 2 September 2026).

What we like

+Strong value for Marriott loyalists: complimentary Silver Elite status, 10 Elite Night Credits and a Free Night Award every year.
+High accelerated earn of 8 Marriott Bonvoy Points per Rs.150 at Marriott hotels (~3.2% value-back).
+Generous lounge access with no spend gate: 24 visits a year in total, 12 within India and 12 outside, for primary and add-on cardholders.
+Diners Club platform allows direct lounge entry without carrying a separate Priority Pass.
+Up to 3 additional Free Night Awards via milestone spends (Rs.6L / Rs.9L / Rs.15L).

What to watch

−No fee waiver: Rs.3,000 + GST joining and annual fee with no spend-based waiver.
−Base earn of 2 points per Rs.150 (~0.8%) is low on non-bonus spends.
−No reward points on fuel, rent, wallet loads, government payments or EMIs.
−Diners Club acceptance is narrower than Visa/Mastercard at some Indian merchants.

Eligibility

Age 21–—
Salaried income ₹1,00,000/mo (≈₹12,00,000/yr)
Self-employed ₹15,00,000/yr (≈₹1,25,000/mo)

Salaried: net monthly income above ₹1 lakh, age 21–60. Self-employed: annual ITR above ₹15 lakh, age 21–65. Final approval is discretionary.

Check HDFC Bank's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this